**ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. *$0 Down Land-in-Lieu - No Minimum Land Value (“the Program”). Vanderbilt Mortgage and Finance, Inc. (“Vanderbilt”). Portfolio loans only. Not available with FHA, USDA, VA, or conventional loans purchased by Fannie Mae or Freddie Mac. Program available for applications received between May 1, 2025 through August 31, 2025, for loans to finance the purchase of new and preowned manufactured or modular homes from a Clayton Family of Brands retailer. To qualify, borrower must pledge land owned free of liens with no payoff and titled to borrower. No minimum appraised value, no minimum land equity, and no down payment required. Home must be placed on land pledged and used as the borrower’s primary residence, not a second home, “buy for,” or investment purchase. Program example: On a $100,000 eligible loan, land-in-lieu serves as down payment for loan. Home deposit to Retailer, closing costs and other fees may apply. Program cannot be retroactively applied or combined with any other offer, except Vanderbilt’s “No payments for 60 days” program (subject to its terms and conditions). Vanderbilt reserves the right to cancel the Program at any time. Other terms and conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines.

Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Financing Law license, Licensed by PA Dept. of Banking and Securities.